Senior Underwriter

About AboundWe’re on a mission to make affordable loans available to more people. Using the power of Open Banking, we have built state-of-the-art technology that allows us to look beyond traditional credit scores and offer fairer credit to people ignored by traditional lenders.We have two parts of our business. On the consumer side, we have Abound. Abound has proven that our approach works at scale, with over £800 million lent to-date. While other lenders only look at your credit score, we use Open Banking to look at the full picture – what you earn, how you spend, and what’s left at the end. On the B2B side, we have Render. Render is our award-winning software-as-a-service platform that allows Abound to make better, less risky lending decisions. And less risky decisions mean we can offer customers better rates than they can usually find elsewhere. We’re taking Render global so that more companies, from high-street banks to other fintechs, can offer affordable credit to their customers.About the teamWe are a successful underwriting team, going from strength to strength helping to lead the business in a time of rapid growth. We are looking for a Senior Underwriter to expand our team; someone who is adaptable, diligent, and keen to develop themselves further.We pride ourselves on bringing affordable lending to the market whilst making the right decisions based on the customer spending rather than their credit reports.In this position, you will be relied on to set an example to the team, produce great quality decisions, and provide improvement feedback on the systems and processes in use. Support your Team leader in managing the team via training new starters, picking up duties in times of absence, and queue management. Work towards target and do what is needed to reach our goals.We champion lateral communication with different departments to bolster individual expertise, knowledge growth, and collaborative support where you can apply your experience and skill set to help develop and improve aspects of the business and yourself.This role comes with the opportunities to progress into a Team Leader position and the opportunity to underwrite a range of credit products.How we work:Shift patterns Monday to Thursday, covering 8am to 8pm.Friday 8am to 6pm coverageOne Saturday per month - 9 am - 6pm returned as time in lieuWhat you'll be doing:Support the Team Lead in times of absenceShape the processes and procedures, always striving for improvementsUnderstanding the importance of our targets and motivated for resultsDelivering high-quality work and setting an exampleDecision unsecured personal loan applications using our cutting-edge credit decision technologyCarry out an in-depth analysis of Open Banking results - Assess customer affordability and ascertain their creditworthinessAssist in training and supporting new joiners, Quality control and feedbackReview and evaluate credit reports, along with other third-party systemsCarry out Fraud and AML checksFollow underwriting policy and proceduresLiaise with customers to capture information and document where necessaryAbility to work independently and take steps to enhance own knowledge when required.Provide support to other team members and wider departmentsWork in a queue and strong pipeline managementWho you are:Minimum two years’ experience in a credit underwriting environmentExperience as a Senior underwriter or working towards itAble to multitask and work under pressureTarget-driven with an understanding and desire to achieve our goalsExperienced in working with near-prime lending, or a start-up environment would be a plusCompliant to credit policy and procedures and changesThe ability to adapt to a fast-changing environmentEnjoy working as part of a team‘Customer First’ attitudeExcellent written and verbal communication skillsExceptional organizational skillsA strong work ethicStrong time managementWhat we offerEveryone owns a piece of the company - equityHybrid with 3 days a week in the office25 days’ holiday a year, plus 8 bank holidays2 paid volunteering days per yearOne month paid sabbatical after 4 yearsEmployee loanFree gym membership Team wellness budget to be active together - set up a yoga class, a tennis lesson or go bouldering

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